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2013/14 I 2010/11- 2014/15 CITY OF SANTA ANA CONSOLIDATED PLAN <br />ACTION PLAN <br />attempt will be made to provide fair housing training to the responsible broker and all <br />related salespersons. <br />¦ Provide education on the law regarding reasonable accommodations and reasonable <br />modifications to housing providers, managers, and consumers, including at educational <br />seminars conducted by the Apartment Association of Orange County. <br />¦ Assist persons with disabilities in making requests for necessary reasonable <br />accommodations or modifications, and assist them in filing complaints when such <br />requests are improperly denied. <br />¦ Coordinate with the Orange County Human Rights Commission (OCHRC), the Center OC, <br />and the Orange County Victims Assistance Partnership to monitor and respond when <br />appropriate to hate crimes occurring within Santa Ana and at the regional level, and <br />provide referrals to hate crime victims. <br />¦ Continue to monitor Home Mortgage Disclosure Act (HMDA) data annually using the <br />2008 HMDA analysis as a benchmark, and complete a HMDA analysis of the top 10 <br />lenders in Orange County to compare and contrast loan denial rates. <br />¦ Conduct a follow-up analysis of loan denial rates at the neighborhood level to determine <br />to what extent, if any, redlining may exist in Orange County. This follow-up will be <br />completed when Census 2010 data is available on minority populations at the census <br />tract level. <br />¦ Conduct outreach to cultural, ethnic and minority organizations, particularly those <br />serving Hispanic and African-American individuals, to potentially increase interest in and <br />readiness for home purchases. <br />¦ Provide homebuyer education programs in neighborhoods with high denial rates, high <br />minority population concentrations and limited English speaking proficiency to help <br />increase loan approval rates. <br />STRATEGY IMPLEMENTATION <br />HUD requires that the City reevaluate how the additional strategies outlined in the <br />Consolidated Plan will be addressed during the Program Year. <br />OBSTACLES TO MEETING UNDERSERVED NEEDS <br />The City of Santa Ana will undertake many activities aimed at addressing the needs of the <br />community's underserved. The underserved include the elderly, disabled, youth, homeless, <br />and very low-income households. In order to serve these populations, the City will focus <br />limited resources toward upgrading existing housing units and expanding the number of <br />affordable housing units for both owners and renters. Housing rehabilitation and <br />32 DRAFT 04/22/2013 <br />29A-37